---
title: "Your 5% CD is gone and the bank’s renewal offer is insulting. These 3 ETFs keep paying after the Fed stops"
type: "News"
locale: "en"
url: "https://longbridge.com/en/news/295290973.md"
description: "With CD renewal rates dropping to ~1.68% following Fed rate cuts, three ETFs offer alternative income: JEPI provides monthly equity premium income; JAAA offers floating-rate CLO exposure with low volatility; and VYM delivers high dividend yields with long-term growth. While lacking FDIC insurance and subject to market risks, these funds provide diversified income streams as traditional bank products become less attractive."
datetime: "2026-08-08T04:04:41.000Z"
locales:
  - [zh-CN](https://longbridge.com/zh-CN/news/295290973.md)
  - [en](https://longbridge.com/en/news/295290973.md)
  - [zh-HK](https://longbridge.com/zh-HK/news/295290973.md)
generator: "portal-rs"
---

# Your 5% CD is gone and the bank’s renewal offer is insulting. These 3 ETFs keep paying after the Fed stops

Quick ReadCD rates crashed to 1.68% nationally, but JEPI generates monthly covered-call income and VYM has returned 26% over the past year.JAAA holds AAA-rated CLO tranches with floating-rate coupons, delivering near-zero stock correlation and minimal volatility at just 0.20% in fees.Are you ahead, or behind on retirement? SmartAsset's free tool ca...

### Related Stocks

- [VYM.US](https://longbridge.com/en/quote/VYM.US.md)
- [JAAA.US](https://longbridge.com/en/quote/JAAA.US.md)
- [JEPI.US](https://longbridge.com/en/quote/JEPI.US.md)

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> **Disclaimer: This article is for reference only and does not constitute any investment advice.**